Credit Loss Manager

InDrive Money is seeking an Expected Credit Loss Manager to support the development, enhancement, and monitoring of credit risk models and impairment methodologies. In this role, you will be responsible for ECL calculation and reporting in line with IFRS 9/US GAAP requirements, development and validation of PD/LGD/EAD models, portfolio risk analysis, and optimization of risk reporting processes to support effective risk management and regulatory compliance. Key Responsibilities Calculation and monitoring of Expected Credit Losses (ECL) in accordance with IFRS 9 requirements Support and enhancement of IFRS 9 impairment methodologies, models, and related documentation Development, validation, and monitoring of risk parameters including Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) Performing back-testing, sensitivity analysis, and stress testing of credit risk models Participation in internal and external audit processes, including preparation of supporting documentation and explanations Preparation of regular risk and impairment reports for management, regulatory, and financial reporting purposes Conducting ad-hoc portfolio analysis and identifying key credit risk trends Automation and optimization of reporting and risk calculation processes Support and development of credit risk management policies, methodologies, and procedures Collaboration with finance, risk, analytics, and regulatory teams on credit risk and provisioning topics Skills, Knowledge and Expertise 2+ years of experience in credit risk, IFRS 9, risk analytics, or financial risk management Strong understanding of IFRS 9 impairment methodology and ECL calculation principles Experience with PD, LGD, and EAD modeling approaches Understanding of model validation, stress testing, and back-testing techniques Strong analytical and quantitative skills Advanced SQL skills and practical experience with Python, SAS, R, or similar analytical tools Experience working with large datasets and financial reporting processes Knowledge of banking products and credit risk metrics Why join us Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries. Develop your professional skills with access to mentoring, career consulting, and learning programs. Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program. Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects. Work alongside people who take initiative, speak openly, and challenge themselves to grow. Improve your language skills through co-financed courses and internal speaking clubs. Final benefits may vary depending on the location.